FCNCAFIRST CITIZENS BANCSHARES INC /DE/
State Commercial Banks
- Revenue
- $9.5B
- 2.2% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $23.2B net debt
- AI in 10-K
- —
Red flags 1 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear133% of net incomeCash flow under 80% of net income
- Dilutive SBCClear0% of revenueOver 10% of revenue
- Payouts exceed cash flowFired109% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear0% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | — | $5.1B | $18.8B | $9.8B | $9.5B | 2.2% |
| Net income | $547M | $1.1B | $11.5B | $2.8B | $2.2B | 21% |
| Operating cash flow | −$284M | $2.8B | $2.7B | $3.0B | $2.9B | 2.2% |
| Capex | $107M | $155M | $405M | $429M | $710M | 66% |
| Stock-based comp | $0 | $19M | $5M | $0 | $0 | |
| Buybacks | $0 | $1.2B | $0 | $1.6B | $3.0B | 84% |
| Dividends | $42M | $83M | $117M | $158M | $161M | 1.9% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $137K · 2
- Net
- −$137K
Pay vs performance
No pay-versus-performance disclosure yet.